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The table below provides the hypothetical results used in the video. The hypothetical example assumes a $100,000 investment by a 65-year-old male in a single life variable income annuity with a 10-year guarantee period (Fidelity Freedom Life Income, i.e., FFLI) under two market scenarios: one in which the gross rate of return varies each year (8%, 10%, 8%, -3%, 12%, 20%, 4%, 16%, -5%, 2%, -1%, 9%, 15%, 18%, 3%, 9%, -2%, 10%, 7%, 13%, 12%, 11%, 5%, -6%, 19%, 12%, 10%, 0%, 13%, and 0%) and one in which the rate of return is 0% for all years. The FFLI payments reflect an annual annuity charge of 0.60% and an annual underlying fund fee of 0.72%, and are assumed to be made annually at the beginning of each year. Taxes were not taken into account for either example; if they were included, the results would be different. The average of the variable annual returns is 7.40% gross, and 5.99% net of all FFLI fees. See the table below for additional information.

This hypothetical example is for illustrative purposes only. It is not intended to predict or project investment results of Fidelity Freedom Lifetime Income. Your rate of return may be higher or lower than in the hypothetical illustration.

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Age

Variable Market:
Gross Return

Variable Market:
Net Return

Variable Market:
Annual Payments

Variable Market:
Cumulative Payments

7.40% Gross,
5.99% Net Market Return:
Annual Payments

7.40% Gross,
5.99% Net
Market Return:
Cumulative Payments

0% Gross,
-1.32% Net Market Return:
Annual Payments

0% Gross,
-1.32% Net
Market Return:
Cumulative Payments

1

65

8.00%

6.58%

$6,309

$6,309

$6,309

$6,309

$6,309

$6,309

2

66

10.00%

8.55%

$6,506

$12,815

$6,470

$12,779

$6,024

$12,333

3

67

8.00%

6.58%

$6,823

$19,638

$6,625

$19,404

$5,744

$18,077

4

68

-3.00%

-4.28%

$7,026

$26,665

$6,784

$26,188

$5,476

$23,553

5

69

12.00%

10.53%

$6,499

$33,163

$6,947

$33,136

$5,222

$28,775

6

70

20.00%

18.42%

$6,940

$40,103

$7,114

$40,250

$4,979

$33,753

7

71

4.00%

2.63%

$7,940

$48,043

$7,285

$47,535

$4,747

$38,500

8

72

16.00%

14.47%

$7,874

$55,917

$7,460

$54,996

$4,526

$43,026

9

73

-5.00%

-6.25%

$8,708

$64,625

$7,640

$62,635

$4,316

$47,342

10

74

2.00%

0.66%

$7,888

$72,513

$7,823

$70,458

$4,115

$51,457

11

75

-1.00%

-2.30%

$7,671

$80,185

$8,011

$78,469

$3,923

$55,380

12

76

9.00%

7.57%

$7,241

$87,426

$8,204

$86,673

$3,741

$59,121

13

77

15.00%

13.49%

$7,526

$94,952

$8,401

$95,074

$3,567

$62,687

14

78

18.00%

16.45%

$8,252

$103,204

$8,603

$103,676

$3,401

$66,088

15

79

3.00%

1.64%

$9,284

$112,488

$8,809

$112,486

$3,243

$69,331

16

80

9.00%

7.57%

$9,118

$121,606

$9,021

$121,507

$3,092

$72,422

17

81

-2.00%

-3.29%

$9,476

$131,082

$9,238

$130,744

$2,948

$75,370

18

82

10.00%

8.55%

$8,854

$139,937

$9,460

$140,204

$2,811

$78,181

19

83

7.00%

5.59%

$9,287

$149,224

$9,687

$149,891

$2,680

$80,861

20

84

13.00%

11.51%

$9,474

$158,698

$9,920

$159,811

$2,555

$83,416

21

85

12.00%

10.53%

$10,208

$168,906

$10,158

$169,969

$2,436

$85,852

22

86

11.00%

9.54%

$10,901

$179,807

$10,402

$180,371

$2,323

$88,175

23

87

5.00%

3.62%

$11,537

$191,344

$10,652

$191,024

$2,215

$90,390

24

88

-6.00%

-7.24%

$11,550

$202,895

$10,908

$201,932

$2,112

$92,502

25

89

19.00%

17.43%

$10,352

$213,247

$11,170

$213,102

$2,014

$94,515

26

90

12.00%

10.53%

$11,746

$224,993

$11,439

$224,541

$1,920

$96,435

27

91

10.00%

8.55%

$12,543

$237,536

$11,714

$236,254

$1,831

$98,266

28

92

0.00%

-1.32%

$13,156

$250,692

$11,995

$248,249

$1,745

$100,011

29

93

13.00%

11.51%

$12,544

$263,235

$12,283

$260,532

$1,664

$101,675

30

94

0.00%

-1.32%

$13,515

$276,750

$12,578

$273,111

$1,587

$103,262

Before investing, consider the investment objectives, risks, charges, and expenses of the annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, a summary prospectus containing this information. Read it carefully.

Investing in a variable income annuity involves risk of loss - the amount of each payment is not guaranteed and will fluctuate.

Restrictions may apply to optional features; refer to prospectus. The withdrawal option is not available in all states and not applicable for non-qualified funds. Withdrawals of taxable amounts and taxable income received from an annuity are subject to ordinary income tax. Withdrawals of taxable amounts taken before age 59 1/2 may be subject to a 10% IRS penalty.

Fidelity Freedom Lifetime Income (Policy Form Nos. FFLI-Q-2005, et al. and FFLI-NQ-2005, et al.) is issued by Fidelity Investments Life Insurance Company, 100 Salem Street, Smithfield, RI 02917, and, for New York residents, Freedom Lifetime Income (Policy Form Nos. EFLI-Q-2005, et al. and EFLI-NQ-2005, et al.) is issued by Empire Fidelity Investments Life Insurance Company,® New York, NY. FILI is licensed in all states except New York. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. The contract's financial guarantees are solely the responsibility of the issuing insurance company.